"This simulation was based on your paying down 90%-100% of your overall credit card balances over a period of 24 months. In general, your score will be helped as your credit history lengthens and you establish FICO® healthy behavior. So this score simulation took into account both your lower balances and the aging of your credit history."
and it has shown a 200 pt increase over a 24 month period of time
I know that noone can guess a score increase, but I would like some estimations please. Here is my current situation. Seven old medical collections from over four years ago. One judgement from six years ago. 9 student loans that have been reporting for the past couple years always on time. Two credit cards currently. One has a 30 day late from 4 months ago. The other one has always been on time. CC 1, 800 on it 900 limit. CC 2, 200 on it 250 Limit. Current score is 560. Guess score changes for the following (if any)a) card company has agreed to erase 30 day late from four months ago.b) i pay the cards down to like 5% utilizationc) i have to pay off the judgement to qualify for my FHA loan.Any guesses??? Thanks!!!!!!!!!!!!!!!!!!!!!!